You work in a refinery, which provides safety equipment: hardhat, FRs (flame-resistant clothing), and safety goggles. Since it’s so hot, you don’t always wear your goggles. When there’s a flare-up, some shrapnel hits your eye. The doctor says you will never see out of that eye again. You have an accident plan that pays you thousands of dollars for the loss of your eye. That helps, but you’ve still lost the use of your eye. Could this have been prevented?
Some facts about accidents (The National Safety Council, 2012):
- Every hour there are 15 accidental deaths and 4,440 disabling injuries.
- Accidents are the leading cause of death among all persons up to age 42.
- Each year, at least 1 in 8 persons seeks medical attention for an injury.
- 9 out of 10 accidental deaths occur off the job.
- Nearly three-fourths of disabling injuries occur in the home.
- The average economic impact of an accident is $5,900 per household.
Some of the most common accidents:
- Sleep-deprived drivers causing traffic accidents
- Drivers using cell phones to talk, text, or navigate causing traffic accidents
- Slipping, tripping, or falling
- Being struck by objects
- Injury caused by using poor lifting techniques
Clearly, accidental injuries are NOT limited to the workplace. They can easily occur at home or out in your community. So a supplemental accident plan that pays benefits directly to you is generally a good idea, for your whole family, no matter where you work. And if you could get a plan that’s going to refund your premium after a certain amount of time, why wouldn’t you?
If you work in the oilfields, you may have to move heavy machinery. Most workplaces require a partner for moving items over 50 pounds, to prevent injury. Sometimes you just want to move it yourself, rather than wait for help. But which makes more sense, getting the job done quickly, by yourself, and risking injury that could have you on your back for weeks, or getting it done correctly and safely?
If you work in an air-conditioned office, the risk of injury may be a bit lower. But you and your son are building a treehouse in the back yard. Your 8-year-old isn’t strong enough to spot your ladder, or help you lift things to the height you need. It makes sense to ask your brother to help out, to assure safety in lifting, climbing the ladder, and other potential hazards. It takes longer that way, but it’s definitely safer.
Your accident policy is a safety net, to help you to get through a tough time financially, after an unexpected injury. Your Family Heritage InjurCare plan pays benefits for emergency treatment, imaging, ambulance, fractures, hospitalization, physical therapy, and other medical issues around accidents. There are even benefits for dismemberment or accidental death. But make no mistake; having an accidental injury plan is NO SUBSTITUTE for taking precautionary measures to ensure your safety, on the job or off. When it comes to safety, it’s always better to err on the side of caution.
Maybe you already have an accidental injury policy. That’s great! Maybe you don’t have a policy yet. Either way, it makes sense to learn more about what’s available now.
Contact your Family Heritage representative today, and find out how easily you can enroll yourself and your family in an accidental injury plan. You’ll be glad you did.
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